Debbie Marcoux NMLS ID 237926

Debbie Marcoux NMLS ID 237926 You can find us on YouTube, Podcast, and Radio educating new buyers and current homeowners! Debbie Marcoux NMLS ID 237926.

Mortgage Mom Radio is a mortgage and real estate education show hosted by Debbie Marcoux, NMLS ID 237926. I help all those who are navigating the real estate, home buying, and mortgage process. Mortgage Mom Radio is a DBA of JMJ Financial NMLS ID 167867, JMJ Financial Group is licensed by the California Department of Financial Protection and Innovation under the Residential Mortgage Lending Act, License number 41DBO-46011 | CA DBO 603 F427. All licensing information can be found at https://www..nmlsconsumeraccess.org/

10/06/2026

Found Your Next Home Before Selling? One Option Most People Don't Know

If you owe very little or nothing on your current home and you find the house you want before yours is even listed, there are lenders and programs that will pay cash for the home you're buying. They place a lien on both properties, and you have a set amount of time to pay them off, either from the sale of your home or with a normal refinance afterward. It isn't right for everyone, and the terms depend on the lender, so let's look at whether it fits you.

Book a call with me: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded September 30, 2026. Market conditions and interest rates can change. This is general education, not a rate quote, an offer of credit or a commitment to lend. Not all applicants will qualify. Debbie Marcoux NMLS 237926. JMJ Financial Group NMLS 167867. Equal Housing Lender. For licensing information, go to: www.nmlsconsumeraccess.org

10/05/2026

Why Adjustable-Rate Mortgages Are Back

Interest rates have been climbing, and adjustable-rate mortgages usually start lower than a 30-year fixed. A lower start is tempting when you're trying to make the payment work. Just be careful: when that rate starts to adjust down the road, the change can be major. Know what you're getting into before you choose one.

Book a call with me: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded September 30, 2026. Market conditions and interest rates can change. This is general education, not a rate quote, an offer of credit or a commitment to lend. Not all applicants will qualify. Debbie Marcoux NMLS 237926. JMJ Financial Group NMLS 167867. Equal Housing Lender. For licensing information, go to: www.nmlsconsumeraccess.org

10/04/2026

Moving? Think Twice Before You Sell a Home With a Low Rate

If you're buying your next home and the one you're in has a very low interest rate, look at keeping it and renting it out before you sell. The question is whether the rent will cover your payment, and whether there's anything left over to help with the new house. We may still be able to use a home equity line on it for some of your down payment. It doesn't work for everyone, but it's a route worth exploring, and it's how a real estate portfolio starts.

Let's run your numbers together: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded September 30, 2026. Market conditions and interest rates can change. This is general education, not a rate quote, an offer of credit or a commitment to lend. Not all applicants will qualify. Debbie Marcoux NMLS 237926. JMJ Financial Group NMLS 167867. Equal Housing Lender. For licensing information, go to: www.nmlsconsumeraccess.org

10/03/2026

Lower Your Mortgage Payment Without Refinancing

It's called recasting. You call the lender that has your loan, tell them you'd like to make one large principal payment, and ask them to recast the loan. They recalculate your monthly payment on the new, lower balance, with no new loan and no refinance. Many lenders will do it on a conventional loan, but it's up to your servicer, and VA and FHA loans typically don't allow it. So ask before you count on it.

Talk it through with me: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded September 30, 2026. Market conditions and interest rates can change. This is general education, not a rate quote, an offer of credit or a commitment to lend. Not all applicants will qualify. Debbie Marcoux NMLS 237926. JMJ Financial Group NMLS 167867. Equal Housing Lender. For licensing information, go to: www.nmlsconsumeraccess.org

10/02/2026

Is a Short Sale Really a Great Deal?

Maybe, but go in with your eyes open. You'll probably get a little better price than you would on a typical sale, but it isn't foreclosure pricing. Even after the seller accepts your offer, the seller's bank still has to approve it, and that can take weeks or even months. Once it's approved, everything moves fast, so come in with a strong, fully underwritten loan commitment, not just a pre-qual letter.

Get fully underwritten before you shop: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded September 23, 2026. Market conditions and interest rates can change. This is general education, not a rate quote or financial advice. Debbie Marcoux NMLS 237926.

10/01/2026

Worried You'll Miss a Mortgage Payment? Make This Call First

If you think you might miss a payment, or you can make this one but don't know about the next, don't wait until you're behind. Call the number on your mortgage statement, and don't be scared to. Nobody is going to yell at you. If you might need to sell and don't have the equity to get out, tell them you want to talk to loss mitigation, that you're considering a short sale and need help, and ask them for a short sale package. You're also welcome to book a time with me and I'll help guide you.

Book a time with me: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded September 23, 2026. Market conditions and interest rates can change. This is general education, not a rate quote or financial advice. Debbie Marcoux NMLS 237926.

09/30/2026

Found your next home before you've sold the one you're in? You have more options than you think, and in today's market sellers are more willing to work with you than they've been in years. I'll walk you through the five ways to bridge the gap between your current home and your next one, the Fannie Mae change coming for anyone who wants to keep their house as a rental, and the move most people have never heard of for lowering your new payment after the old house sells.

What I cover:
- Selling first, and how a rent-back keeps you from moving twice
- Making your offer contingent on selling
- Bridge loans, and a home equity line on your current home
- Keeping your house as a rental, and the new Fannie Mae rules starting December 1
- Recasting your new loan after the old one sells
- How to pick the route that fits your equity, income and market

Text LIVE to 844-935-3634
Live every Wednesday at 3PM PT

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New episode every Wednesday
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All episodes: https://www.mortgagemomradio.com/podcast/



Recorded September 30, 2026. Market conditions and interest rates can change. This is general education, not legal, tax or financial advice, and not a rate quote or a commitment to lend. Debbie Marcoux NMLS 237926.

09/30/2026

Are Short Sales Coming Back?

I don't think we're going to see short sales flood the market the way they did in the Great Recession, but I am starting to see more of them. Most are from people who bought in the last few years with very little down, on VA, FHA or low down payment conventional loans. Values have come down a bit in some areas, and then life happens: a divorce, a job loss, an illness. The easiest thing would be to sell, but there isn't enough equity to get out.

Talk it through with me: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded September 23, 2026. Market conditions and interest rates can change. This is general education, not a rate quote or financial advice. Debbie Marcoux NMLS 237926.

09/29/2026

If One Bill Has to Be Late, Don't Let It Be Your Mortgage

If you're struggling, protect your mortgage payment first. Once mortgage payments start slipping, your credit score and your credit report take the hit, and if you ever need to rent a place afterward, the landlord is going to see it. If something has to give, a late credit card payment hurts you less than a late mortgage. When I pull someone's credit as a landlord and see a few credit card issues but a mortgage paid on time every month, I'm far more comfortable than when the mortgage went late. So if you don't have to miss a mortgage payment, don't.

If you're worried about your payment, book a time with me: https://www.mortgagemomradio.com/

Text LIVE to 844-935-3634



Recorded September 23, 2026. Market conditions and interest rates can change. This is general education, not a rate quote or financial advice. Debbie Marcoux NMLS 237926.

09/28/2026

Have a HELOC? Your Rate Probably Just Went Up

Most home equity lines of credit have a variable rate tied to the prime rate, and the prime rate has gone up. When prime moves, the rate on your line moves, and so does your minimum payment. If your line started with a teaser rate, that fixed period may be ending soon. Nobody can promise what happens next, but if more hikes come, a variable line keeps getting more expensive. Right now may be a good time to consider moving that balance into a fixed-rate second, so future hikes don't touch your payment. Let's look at yours together.

Check your HELOC options and book a call: https://www.mortgagemomradio.com/heloc/

Text LIVE to 844-935-3634



Recorded September 23, 2026. Market conditions and interest rates can change. This is general education, not a rate quote or financial advice. Debbie Marcoux NMLS 237926.

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